Personal Loans and Lines

Cash in on our desire to make your life a little easier.
  • Choose from a variety of low-rate personal loans
  • Get a lump sum of cash or access to a line of credit
  • Cover unexpected costs or buy something you really want
  • Link a line of credit to your checking account
  • Save money with lower interest payments

Need some extra spending money? We've all been there.

As hard as you might work in Washington D.C., Maryland, Virginia, New Jersey or beyond, sometimes it's hard to set aside enough money to buy the things you want or to cover unexpected expenses. When you need extra cash to make your family happy or to make ends meet, we have a variety of secured and unsecured fixed personal loans that will get the job done.

Personal Signature Loans

A lower rate than most credit cards

  • Financing for your next vacation, tuition payment, remodeling project, medical procedure, or any other need
  • Borrow up to $50,000
  • No sign up fees or prepayment penalties.
  • Flexible terms up to 84 months help reduce your monthly payments
  • Easy online application process

Cash To Go Loan


  • Borrow from $250 to $500
  • Flexible payment options of monthly, bi-weekly, or the 1st and 15th of the month
  • No credit check

Additional Details

  • You must be an Andrews Federal Credit Union member for at least 90 days
  • Maximum of four Cash To Go loans per membership account in a calendar year
  • Maximum of three Cash To Go loans per rolling six month period
  • Must have a direct deposit/allotment for 2 months from the same employer
  • Loan amount cannot exceed 75% of member’s monthly direct deposit/allotment
  • First payment is due on the next direct deposit/allotment date
  • First full payment must be received within 30 days
  • Maximum repayment term is six months

Premier Line of Credit

A chunk of money to pay for anything life throws your way

  • Credit lines available up to $50,000
  • Rates are variable, but stay low to keep your monthly payments under control
  • Convenient access to money online, by check, or in person at any branch


Overdraft Line of Credit

Linked to your checking account just in case you over spend

  • Peace of mind for times when funds run short
  • Automatic overdraft coverage for your checking account
  • Credit lines of up to $10,000
  • Interest rates are variable, but stay low to make repayment easier
  • Money will be transferred to your account to cover checks, debit card purchases, and electronic payments

Share Secured Loan

A loan that matches your Share Savings account balance

  • Borrow from $500 to $100,000
  • Repayment terms of up to 144 months
  • Minimum monthly payment as low as $30
  • Build a healthy credit score
  • Borrow up to 100% of the amount in your Share Certificate Savings Account

Still Have Questions?

Go here to learn more about our eligibility requirements.

Log in to Digital Banking and go to the Loan Services/Make a Loan Payment and choose the frequency of the payment and start date. 

No, you are welcome to apply for a loan before you've become a member. Once you've been approved for the loan, membership is required($5 minimum in Savings) for the loan to be disbursed.

You can apply for a loan online by selecting the "Apply for a Loan" option which is listed at a "Common Task" under the "Borrow" section of this website.

There are no fees when making a payment online. However, payments made over the phone are subject to a $14.95 processing fee.

Principal Only Payments are available on mortgage loan products only. Consumer loans are not eligible for principal only payments. On consumer loans, interest accrues daily. Each time you make a payment, the payment will first satisfy interest for the amount of days it has been since the last payment (or date of loan origination, if no first payment has been made.)

Follow the instructions below for an easy way to calculate the interest on your loan.

  1. Multiply the unpaid balance times the interest rate.
  2. Multiply the answer obtained in step one times the exact number of days between the loan disbursement (if the 1st payment) or payments.
  3. Divide the answer obtained in step two by 365 (number of days in a year) and this will equal the interest charged as reflected on your statement.

Good News: You may pay more than the amount due each month. Paying more than your required monthly payment can reduce the amount of interest you pay, and shorten the overall length of your loan. You may make additional payments to the loan at any time, however they will first satisfy any interest accrued and then they will go to any fees and then the principal.

We do not encourage you to use the online loan payment system to pay off your loan. Please contact us to get your exact payoff amount to avoid any shortage in payment. 

17-Month Winter Share Certificate Special Offer

Move your money and earn more!

Move your money to a Share Certificate and you'll earn more on your money with higher dividend rates. Our Winter Share Certificate special offer gives you 4.05% APY* for 17-months with $1,000 minimum to open the account.